Which of the following is NOT an example of fundamental risk?

Fundamental risk refers to risks that are inherent to a large group of individuals or the economy as a whole and cannot be easily mitigated by an individual. These risks typically affect a large number of people simultaneously and arise from broad systemic issues, such as natural disasters, economic downturns, or societal changes.

The other options—earthquake, unemployment, and terrestrial terrorism—represent risks that can impact entire communities or societal structures. Earthquakes are natural disasters that can cause significant devastation over wide areas, affecting many people at once. Unemployment is often tied to broader economic trends and can result from systemic issues, affecting large populations. Terrestrial terrorism represents security risks that can also have widespread consequences on society.

In contrast, the loss of personal property is usually associated with individual circumstances and is often considered a particular risk that an individual or business faces. It does not have the same broad societal implications as the other options, making it an example of particular risk rather than fundamental risk. Therefore, identifying loss of personal property as not being an example of fundamental risk accurately characterizes it within the context of risk management principles.